RBS (One Account) Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for residential conveyancing lawyers. Supported by the CML and professional indemnity insures. COMPLETIONmonitor is a unique risk management tool.

This software facilitates the way you can prove to lender panels that you are, and can stay fully compliant with their instructions, with notifications given on RBS (One Account)’s changes. While using this technology is not a prerequisite for RBS (One Account) , demonstrating you can stay up to date with RBS (One Account)’s Handbook requirements is a helpful support to your application to their lender panel and, more importantly, safeguard your firm’s panel status.

The system creates real-time alerts, automatically produces SRA and CQS reports, and will enhance your firm's efficiency. In addition it is simply to use, cost-effective and, for some firms, results in a PII saving.

Find a Law Firm approved by RBS (One Account)

Lenders frequently vary their requirements. The UK Finance Lenders’ Handbook requirements from RBS (One Account) are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, over time:

A Timeline of Policy Changes


Since 2008, RBS (One Account) has made 324 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 8.4 days. In total, 54% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS (One Account) have been changed since 15/12/2008.

To find out more about lender panel compliance,

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Recent Changes Include

# Date Assoc. Changes Related To
5.7.1a 02/12/2016 CML
Flying Freeholds
The Royal Bank of Scotland plc One Account approved lawyers clarification as to whether they lend on flying freeholds
Flying Freehold Indemnity Insurance
5.19.1 19/07/2016 CML
Shared Ownership and Shared Equity
Contact details at The Royal Bank of Scotland plc One Account for approved lawyers for lending on affordable housing, shared equity and shared ownership and where relevant The Royal Bank of Scotland plc One Account requirements.
6.14.1 04/12/2014 CML
Building Insurance
The Royal Bank of Scotland plc One Account panel lawyers additional requirements concerning building insurance
3.1.4 01/12/2014 CML
details of the seller's solicitors or licensed conveyancers
5.5.1a 01/12/2014 CML
requirements in terms of time for planning consents
5.5.1b 01/12/2014 CML
conveyancing requirements in terms of time for building regulation consents
6.14.1a 01/12/2014 CML
contact point if property is not insured in accordance with lender requirement
6.14.4 01/12/2014 CML
sending a copy of the buildings insurance policy and last premium
3.1.5 01/12/2014 CML
ID Documentation
The Royal Bank of Scotland plc One Account approved lawyers requirements re ID Documentation: Further acceptable documents (if any)
6.7.1 16/09/2014 CML
New Build Conveyancing
The Royal Bank of Scotland plc One Account panel conveyancer requirements for New Build Conveyancing : Home Warranty Schemes

Last update 13/01/2019

RBS (One Account) Solicitor Panel Sample Enquires to our Call Center from members of the public

Is there a reason why all solicitors aren't included on the RBS (One Account) Conveyancing panel?
Even though it may seem unfair for RBS (One Account) to restrict who can act for them from the public’s or solicitor’s point of view, the other side of the coin is that the lenders are becoming ever more anxious and feel the necessary need to protect them from mortgage fraud and other illegal activities. As a result of this concern RBS (One Account) have restricted their panel of approved conveyancing lawyers to a size that they are happy to control. The RBS (One Account) solicitor panel is not the most difficult to join
Much to my surprise my conveyancer has requested from me personal identification documents asserting that this is part of his retainer as a solicitor on the RBS (One Account) Conveyancing panel. Is this right?
Due to Money Laundering Regulations your conveyancing lawyer is duty bound to confirm positively your identification when entering into a business relationship with you. It is a criminal offense if your lawyer not do this. If you do not provide ID early in the transaction the solicitor must refuse to act for you. It’s unlikely a lawyer will turn you away if you come to the first meeting without relevant ID but you will have to produce it at some point so you might as well bring it with you to the initial meeting so the lawyer can tick the ID verification box and start sorting out the conveyancing straight away. If you are getting a mortgage with RBS (One Account) your lawyer also has to check ID documents to satisfy RBS (One Account)
Do all the licensed conveyancers and solicitor practices listed on your directory have online case tracking as I understood that this was a condition of being on the RBS (One Account) solicitor panel?
No. There is no CML Part 2 or Building Society Association requirement relating to online case tracking. Some law firms operate such technology and some don't.
I am purchasing a semi-detached house and getting a mortgage with RBS (One Account). Conveyancing solicitors are said to be ‘a necessary evil’ but can I do it myself?
Leaving aside the complexities and merits of DIY conveyancing you will have to appoint a solicitor on the RBS (One Account) conveyancing panel to look after their interests. Most people therefore find it easier to let the solicitor act for them and the lender. Furthermore there is minimal cost savings to made in you doing to conveyancing for yourself and another lawyer conducting the conveyancing for the lender. Please feel free to use the search tool to find a lawyer on the RBS (One Account) conveyancing panel in your location.
We are getting a further advance on our mortgage from RBS (One Account) as we wish to carry out a loft conversion to our home. Do we need to appoint a solicitor on the RBS (One Account) conveyancing panel to deal with the legals?
RBS (One Account) would not normally instruct a member of their conveyancing panel to deal with such a matter. If they did require any legal work then you would need to ensure that such a lawyer was on the RBS (One Account) panel
I am due to exchange contracts on my flat. I had a double glazing fitted in month 7 but did not receive a FENSA certificate or Building Regulation Certificate. My purchaser’s lender, RBS (One Account) are being pedantic. The solicitor who is on the RBS (One Account) conveyancing panel is happy to accept ‘lack of building regulation’ insurance but RBS (One Account) are requiring a building regulation certificate. Why do RBS (One Account) have a conveyancing panel of they don’t accept advice from them?
It is probably the case that RBS (One Account) have referred the matter to their valuer. The reason why RBS (One Account) may not want to accept indemnity insurance is because it does not give them any reassurance that the double glazing correctly and safely installed. It merely protects against enforcement action which is very unlikely anyway.
Next month my fiance and I are acquiring a flat in Hendon. Conveyancing solicitors in Hendon will soon beinstructed. My brother-in-lawsuggested that we make sure that the solicitor in Hendon is on the RBS (One Account) approved list of lawyers. Surely I don't need to do this, do I?
Far from all Hendon conveyancing firms are on the RBS (One Account) conveyancing panel. 7 people a month use our search tool to find a Hendon conveyancing lawyer on the on the RBS (One Account) solicitors pane.